The earnings call highlighted strong loan and deposit growth, improved asset quality, and positive developments in SBA and commercial banking capabilities, which are positive signs for Hanmi's future growth. However, the decline in net income, increased credit loss expenses, and higher net charge-offs present challenges. Overall, the highlights and lowlights are relatively balanced.

Company Guidance

During Hanmi Financial Corporation's Second Quarter 2025 Conference Call, key financial metrics and guidance were provided. The company reported a net income of $15.1 million, or $0.50 per diluted share, which was a decrease from the previous quarter's $17.7 million and $0.58 per share, primarily due to an increase in credit loss expense. The return on average assets was 0.79%, and the return on average equity stood at 7.8%. Pre-provision net revenues saw a 3.7% increase, demonstrating the strength of Hanmi's core business. The net interest margin grew by 5 basis points to 3.07%, driven by lower funding costs. Total loans increased to $6.31 billion, a 0.4% rise on a linked-quarter basis, while deposits grew by 1.7%. Noninterest-bearing demand deposits represented 31.3% of total deposits, with a notable 7% increase from the previous year. Noninterest income rose by 4.5%, reflecting successful SBA efforts. The efficiency ratio remained at 55.7%. Hanmi plans to increase its quarterly SBA production target to $45 million to $50 million for the latter half of 2025. The company emphasized its focus on expanding its SBA and C&I portfolios, reducing CRE exposure, and maintaining robust credit metrics, positioning itself for sustainable growth and long-term shareholder value.

Solid Loan and Deposit Growth

Total loans increased to $6.31 billion, up 0.4% on a linked-quarter basis or 1.6% annualized. Deposits increased by 1.7%, driven by new commercial accounts and contributions from new branches.

Improved Asset Quality

Criticized loans decreased by 72%, with $85 million in loan upgrades and $20 million in loan payments. Nonaccruals decreased by 27% and delinquencies declined to 0.17% of total loans.

Positive Net Interest Margin and Revenue Growth

Net interest margin increased by 5 basis points to 3.07%, and pre-provision net revenues grew by 3.7% ($1 million), indicating strong core business performance.

Successful SBA Loan Growth

SBA loan production increased year-to-date by 20%, with a quarterly production of $47 million, exceeding the high end of the target range.

Expanding Commercial Banking Capabilities

Successfully recruited new talent in both C&I and SBA lending, supporting growth in these asset classes.

Hanmi Financial (HAFC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HAFC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.65 / -	0.49	―	―	―
Jul 29, 2025	2025 (Q2)	0.61 / 0.50	0.48	4.17% (+0.02)
Apr 22, 2025	2025 (Q1)	0.57 / 0.58	0.5	16.00% (+0.08)
Jan 28, 2025	2024 (Q4)	0.52 / 0.58	0.61	-4.92% (-0.03)
Oct 22, 2024	2024 (Q3)	0.48 / 0.49	0.62	-20.97% (-0.13)
Jul 23, 2024	2024 (Q2)	0.47 / 0.48	0.67	-28.36% (-0.19)
Apr 23, 2024	2024 (Q1)	0.52 / 0.50	0.72	-30.56% (-0.22)
Jan 23, 2024	2023 (Q4)	0.59 / 0.61	0.93	-34.41% (-0.32)
Oct 24, 2023	2023 (Q3)	0.62 / 0.62	0.89	-30.34% (-0.27)
Jul 25, 2023	2023 (Q2)	0.65 / 0.67	0.82	-18.29% (-0.15)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HAFC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 29, 2025	$23.16	$22.73	-1.86%
Apr 22, 2025	$21.99	$22.74	+3.41%
Jan 28, 2025	$22.11	$23.70	+7.19%
Oct 22, 2024	$19.23	$20.60	+7.12%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Hanmi Financial Corp. (HAFC) report earnings?

Hanmi Financial Corp. (HAFC) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is Hanmi Financial Corp. (HAFC) earnings time?

Hanmi Financial Corp. (HAFC) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HAFC EPS forecast?

HAFC EPS forecast for the fiscal quarter 2025 (Q3) is 0.65.

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